Online & Mobile Technology

Because life is too short to spend all of your time managing your money.

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Smartphone App

Everything you expect from a branch, right in your pocket.

iOS App
Download CNB Mobile on Google play
Download CNB Mobile on the App Store
  • Debit Card IconSuspend Lost or Stolen Debit Cards
  • Check Deposit IconDeposit Checks
  • Balance InquiryGet Balances, Pay Bills & Make Funds Transfers
  • Transaction Alert IconOptional Transaction & Balance Text Message Alerts
  • Location IconFind ATMs or branches near you
  • Estatement IconE-Statements
  • Calculators IconBuilt-in Tip, Monthly Payment & Savings Calculators
  • Cellphone IconFast log in with FaceID and TouchID on compatible devices

Contactless Payments

Get the most out of your smart phone and get out line quicker.

Contactless Payment Logo
Digital Wallet


  • Shop safer. Your card number is never shared with retailers keeping your data safe.
  • Tap and pay with your phone to get out of the store faster.
  • Shop online too. Make purchases at millions of vendors and on the web.

Did you know?

Your digital wallet uses tokenization to create a unique randomized set of numbers to be used at each new transaction, so your real card number isn’t used.

Apple Pay
Samsung Pay
Android Pay

Save with every swipe.

It Makes ¢ents!


See all your balances and transactions together. Accessible for free in online banking and our smartphone app.

Money Central


  • Dashboard - Add accounts, credit cards, investments, and loans from over 14,000 institutions
  • Budget - Set up and monitor your spending targets
  • Cashflow - Track income and upcoming bills
  • Goals - Set savings goals and let MoneyCentral be your moral support
  • Retirement - It's never too early or too late to start planning
  • Net Worth - Manage assets and debts and see your net worth at glance
  • Alerts - Set a budget and stick to it with email alerts

Bill Pay

With Central Online Bill Pay, you can set up recurring payments so you never forget a bill.

  • One-time Payment - Create a payment that gets sent one time
  • Recurring Payments - Create a weekly, bi-weekly, monthly, semi-monthly, quarterly, semi-annually or annual payment and specify when you want the payment to start and stop
  • Payees - You can add, edit, or view as many payees (the entity you're sending money to) as you'd like
  • Quick Payment - Set up multiple payments at once to existing payees
  • Payment Types - Payments are sent by check or electronically, depending on what the payee accepts. If the payee cannot accept an electronic transaction, we'll send them a check on your behalf
  • Payment History - Keep track of the payments you've made
Bill Pay

Bill Pay is $6.00 per month for unlimited payments. If you have a Central Value or Central Premium Checking account Bill Pay is free all the time! *Terms vary depending on account type.

Fraud Protection

As always, please remain vigilant to potential scams. Be wary of attachments or links within emails or texts, and use caution when clicking or opening links.

Fraud Protection

We keep you up-to-date with the newest fraud tactics used to steal your identity as well as instructions on how to avoid them.

  1. When potential fraud is detected, you will receive an automatic email notification, with the option to reply with “fraud” or “no fraud.”
  2. One minute after the email, you will receive a text alert, which also has the “fraud” or “no fraud” option.
  3. If there is no response received, you will then receive automatic phone calls to confirm or deny fraud. The call will also give the option of speaking to a fraud analyst.

Remember, our bank will never contact you and ask for your personal identification number (PIN), online banking password or other personal information.

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Mobile Deposit

Mobile Deposit Step 1 Mobile Deposit Step 2

Mobile Deposit Help

With Central Mobile Deposit, you can deposit checks from home, or on the go! If you've got our Android or iOS app you can make deposits 24 hours a day, seven days a week, wherever you are!

How to deposit a check:

  • Step 1 - Log in to the app.
  • Step 2 - Tap "Mobile Deposit" from the app's menu.
  • Step 3 - Tap "Deposit Check".
  • Step 4 - Select the account you're depositing to and enter the amount.
  • Step 5 - Tap "Take Pictures"
  • Step 6 - Endorse your check and write "For Mobile Deposit Only".
  • Step 7 - Take a picture of the front and back of the check.
  • Step 8 - Choose "Submit Deposit".

Any Central National Bank account holder who has a qualified account, is signed up for Mobile Banking, and is a user of the app, is eligible for the Mobile Check Deposit service, excluding New Opportunity Checking, Health Savings Accounts, Central Secret Agent and Youth Savings Accounts. Qualified accounts are determined at Central National Bank's discretion.


Experience the ultimate statement of convenience! Central National Bank E-Statements allow you to receive your account statements via e-mail. E-Statements look just like your original paper statement and even include check images - the only difference is that they are e-mailed to you rather than delivered by U.S. Mail.

E-Statements can be viewed, printed, or saved to your hard drive.


  • FAST - You'll receive your E-Statement one or two days earlier than you normally receive your paper statement.
  • EASY - A monthly e-mail lets you know your new statement is available online, and you can access it from anywhere. You'll have up to 18 months of statement history to print or file anytime.
  • SECURE - You'll enjoy peace of mind knowing your statements are delivered to you securely via e-mail and encrypted for your protection.
  • ENVIRONMENTALLY FRIENDLY - Receiving your bank statement via e-mail reduces the usage of natural resources. You will no longer receive a paper statement, so you can easily store your E-Statement to a file on your hard drive.

You must be a Central National Bank Online Banking customer to sign up for E-Statements. To get started, read our handy E-Statement User Guide. You will then be able to sign up for E-Statements by logging in to Central Online Banking, clicking on E-Statements, and following the user guide instructions.

E-Statements User Guide

Text Banking

Just the basics here. Keeping up to date with your CNB account is easy as sending a text message. Send a simple command and your most recent transactions and balances will be securely messaged to you. Sign up for this service from online banking.

  • Check Account Balances
  • View Account History
Text Banking Help

Bank-to-Bank Transfers

Bank-to-Bank Transfer allows you to transfer funds between your bank accounts at other financial institutions and your accounts at Central National Bank.

To sign up, log into Online Banking or the Smartphone App, and send us a secure message stating that you'd like to be signed up.

Bank-to-Bank Transfer Help

ATMs Made Smarter

With a network of over 70 ATM and ITMs across the state, you can get cash conveniently seven days a week.

ATM and ITM Locations
  • ITMs

    Option to speak to our Video Tellers for great service

  • cash & coin withdrawlGet Cash
  • Cash & Check DepositsDeposit Cash & Check1
  • Transfer Money Between AccountsTransfer Money Between Accounts
  • Balance InquiryBalance Inquiry
  • Change PINChange PIN
  • ITM Service Speak to a Video Teller

    Video Teller hours:
    7am-7pm Monday-Friday
    10am-4pm Saturdays
    11am-3pm Sundays

  • cash & coin withdrawlGet Any Mix of Coin & Large Bills
  • Check CashingCheck Cashing
  • Loan PaymentsPay Loans
  • Customer Service InquiriesAsk Customer Service Questions
  • Money OrdersGet Money Orders2
  • Smart ATMs

    Typical ATM plus the option to deposit cash or checks

  • Cash WithdrawalGet Cash
  • Cash & Check DepositsDeposit Cash & Check1
  • Transfer Money Between AccountsTransfer Money Between Accounts
  • Balance InquiryBalance Inquiry
  • Change PINChange PIN
  • Purchase StampsPurchase Stamps2

1Deposits made at Smart ATM or without speaking to Video Tellers have next business day availability.

2Only available at select locations.

How can we help?

Let us know the best way to reach you and one of our customer representatives will be in touch.

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Secure Page Sign-In

Ensuring the security of your personal information is important to us. When you sign in to Online Banking on our home page, your User Name and Password are secure. The moment you click the Log In button, we encrypt your user name and password using Secure Sockets Layer (SSL) technology.

Browser Security Indicators

You may notice when you are on our home page that some familiar indicators do not appear in your browser to confirm the entire page is secure. Those indicators include the small "lock" icon in the bottom right corner of the browser frame and the "s" in the Web address bar (for example, "https").

To provide the fast access to our home page, we have made signing in to Online Banking secure without making the entire page secure. You can be assured that your ID and password are secure and that only Central National Bank has access to them. is SSL-Encypted

Secure Socket Layer (SSL) technology secretly encodes (encrypts data) information that is being sent over the Internet between your computer and Central National Bank, helping to ensure that the information remains confidential.

Leaving Site

You have requested a web page that is external to the Central National Bank (CNB) web site. The operator of the site you are entering may have a privacy policy different than CNB. CNB does not endorse or monitor this web site and has no control over its content or offerings.

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